I have had another company in the past that I thought was pretty good. However, when they raised their prices substantially I was forced to change companies. I found Embrace and couldn't be happier! The prices are reasonable and the customer service is outstanding! VERY friendly and interested in genuinely helping me. When I had to place two claims recently, I felt that the payout was quite fair and the reasons behind what was paid and not paid were clearly explained. I was even offered the opportunity to discuss it if I did not agree with the assessment. I didn't feel the need to do that since I agreed, but it was so nice to know they were willing to see a different side. I would HIGHLY recommend Embrace and already have gotten my Aunt to sign up.